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Investment returns are important, but the risk to principle may very well trump greed. A customer risk tolerance review can help establish the propensity of risk through a battery of questions and answers using a numerical weighting methodology. Using the S&P 500 inside a variable universal life pays dividends, indexed universal life doesn’t. But indexed doesn’t credit a negative return, whereas variable sub accounts can lose all of its investment.

Today on the Business Insurance Zone, national insurance columnist Steve Savant and co-host Eric Palmer discuss customer risk tolerance and investment reward between variable and indexed universal life products.

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About the Author

Steve Savant is the host of the daily producer show, Let’s Get Down to Business, and the weekly consumer show, Steve Savant’s Money, the Name of the Game. Both shows are sponsored by Ash Brokerage. Steve is the #1 online author and videographer of insurance content. Steve has been cited on FO... More